¹All loan terms and applicable APRs depend on meeting our underwriting and income criteria for the loan size requested and may require collateral. Active-duty military, their spouse or dependents covered by the Military Lending Act (“MLA”) may not pledge a vehicle as collateral. Loans for MLA covered borrowers may not be available in all states. Loan proceeds obtained from 1^st Franklin Financial cannot be used for post-secondary educational or vocational expenses; to purchase securities; for business purposes; gambling or illegal purposes. No payment until January 2026 when you close your loan November 17-December 31, 2025. Additional charges will apply. 1^st Franklin Financial Corporation, NMLS #141654, Georgia Residential Mortgage Licensee #5656. 1^st Franklin Financial Corporation is licensed by the Virginia State Corporation Commission, CFI-215.

² To receive same day approval and funding, the customer must provide all information requested to complete an application, including verifying documentation, by noon.